Why contracts require it
If someone is injured or property is damaged on a job, the injured person often sues everyone connected to the project, not only the contractor who made the mistake. An additional insured endorsement means the project owner or general contractor can look to your policy instead of paying out of its own pocket.
The two forms you will see most
| Form | What it covers | Why it matters |
|---|---|---|
| CG 20 10 (ongoing operations) | Claims that arise while your work is still in progress | Most contracts ask for this |
| CG 20 37 (completed operations) | Claims that arise after your work is finished | Contracts that want coverage after completion ask for this. Defects and water damage often show up later |
| Blanket additional insured | Adds any party your written contract requires, without naming each one | Saves a new endorsement for every job. Check that it applies to ongoing and completed operations |
Note: ISO form numbers. Carriers also use their own forms with similar names and different wording.
What to check in your contract
- Does it require ongoing operations, completed operations or both, and for how many years after completion?
- Does it require primary and non-contributory wording?
- Does it want a waiver of subrogation as well? That is a separate endorsement
- Does it require your subcontractors to name you as additional insured?
- Does it set minimum limits that your policy must meet?
Get the endorsement
Send us the insurance section of your contract and we will confirm what your policy needs, and issue the certificate and endorsement. Call (858) 925-9555 or request a review online — only your name, phone and email are required; we collect project details by phone. Asena Capital Insurance Services, CA License #6008596.
Frequently asked questions
What is an additional insured endorsement?
A policy change that gives another party coverage under your liability policy for claims arising from your work.
What is the difference between CG 20 10 and CG 20 37?
CG 20 10 covers claims during your ongoing work. CG 20 37 covers claims that arise after your work is complete.
Is a certificate of insurance the same as additional insured?
No. A certificate only shows your coverage. Additional insured status comes from the endorsement on the policy.
Does additional insured status cost extra?
It depends on the carrier. Some include blanket additional insured automatically and some charge for it. Ask before you sign the contract.